💸 SWP Calculator
Plan your systematic withdrawals from your corpus
Withdrawal Plan
About SWP Calculator
Free SWP calculator — calculate monthly withdrawals from your mutual fund. See how long your corpus lasts with systematic withdrawal plan. Use Greenylife's free swp calculator to make smarter financial decisions. All calculations are instant and accurate.
Also try our other free calculators: EMI Calculator, SIP Calculator, FD Calculator, PPF Calculator. ← Back to Greenylife Home
Frequently Asked Questions
SWP allows you to withdraw a fixed amount from your mutual fund corpus at regular intervals (monthly/quarterly), providing a steady income while the remaining corpus continues to grow.
FD pays fixed interest on principal which stays unchanged. SWP withdraws from your corpus — if returns exceed withdrawal rate, corpus grows; if not, it depletes over time.
A commonly recommended rule is 4% per annum (the 4% rule). For a ₹1 crore corpus, this means withdrawing ₹33,333/month, which historically sustains withdrawals for 25–30 years.
Yes, SWP is one of the most tax-efficient retirement income strategies. Unlike FD interest (fully taxable), equity mutual fund SWP gains after 1 year are taxed at only 10% LTCG above ₹1 lakh.
Yes. Each SWP redemption is treated as a mix of capital return and gain. For equity funds held over 1 year, LTCG tax is only 10% on gains above ₹1 lakh annually — much lower than FD interest taxation.
Log in to your fund house account or platform (Zerodha, Groww), choose the fund, select SWP option, set withdrawal amount, frequency, and start date. Minimum SWP is usually ₹1,000/month.
If your monthly withdrawals exceed corpus growth, the corpus will eventually deplete. Use our SWP calculator to find the optimal withdrawal amount that balances income with corpus longevity.